 With the struggling economy, many people are finding themselves deep in credit card debt. Therefore, consumers are forced to turn to debt consolidation in order to get control of their finances. However, before a person decides to consolidate their credit card debt, they need to be aware of the credit... |
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Living with debt is by no means easy. There’s the constant concern of living paycheck to paycheck and the never ending issue of covering monthly bills and living expenses. While most of us pride ourselves on being self-sufficient, it’s hard to ignore that we all sometimes live well beyond our means.... |
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| InCharge Debt Solutions, Inc. |
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Background Other Business Names: formerly Profina Debt Solutions, In Charge Debt Solutions, InCharge Institute of America 2101 Park Center Drive, Suite 320 Orlando, FL 32835 Members of BBB: Yes Business Start Date: 1997 Number of Complaints to the BBB: 19 Summary of Business: Debt Consolidation,Debt Managementand Credit Counseling BBB Profile Trade Organization Memberships: AICCAA (Association of Independent Consumer Credit Counseling Agencies) Certifications: Bureau Veritas Want to make sure that the company you are dealing with is reputable? Read PayingPaul.com's report on debt scams, frauds and rip offs. Is your company a non-profit debt organization? Yes it is. Do you offer pre-bankruptcy credit counseling? Yes, In Charge Debt Solutions, Inc. offers both services. Are your counselors certified or accredited? If neither, how are they trained? The counselors are certified and accredited through the AICCAA and the AFCPE. What trade organizations are you a member of? The representative from In Charge Debt Solutions, Inc. who provided answers for Payingpaul.com was not sure if the organization was a member of any trade organizations. Eligibility for Debt Management Plans Is there a minimum amount of debt to qualify? No, there is not a minimum amount of debt required to enroll into their debt management program. Do you deal with unsecured debt only? Yes, the debt must be unsecured. Do you require that all of my accounts are included in the program? This is suggested but it is not required that the client enroll all of their accounts. Services How is the set up fee and monthly maintenance fee determined? What is the fee? The fees are state mandated. There is a one time set up fee that ranges, depending on the state, from $0-50. The monthly maintenance fees, also depending on the state, range from $0-49. Are there any creditors that you do not work with? No, the organization works with all creditors. How will I be kept appraised of whether you are making my payments on time? Are statements sent? Can I review my statements online? Cleints will receive statements from the agency and their creditors once per month. In addition, clients have online access to their statements. Do you have a refund policy for unsatisfied customers? No, there is no refund policy but the client can drop out of their debt management plan at any time. (Disclaimer: The following information is based on an informal conversation that PayingPaul.Com had with a representative from this company. In no way should this be construed as a formal statement made by the company about the services it offers. Moreover, although an effort has been made to keep this information up to date and accurate, in no way is this a comprehensive overview of the company profiled. For complete information, please contact a representative from this company.) Want to get a free quote from a debt management company? Fill out a form and PayingPaul.Com will match you up for free! |
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